Missouri Employers Mutual Insurance is a mutual insurance company which focuses on workers' compensation insurance. It is the number one provider of workers compensation in Missouri providing coverage in nearly all 600 NCCI classes. The company is based in Columbia, Missouri and has offices in Kansas City, Missouri, Springfield, Missouri, and St. Louis, Missouri. MEM has over 17,000 insureds, has received an A. M. Best rating of A- (excellent), and has a policyholders’ surplus of $93.5 million (all figures 2005).